The Bank Leumi Asset Allocation program is a managed mutual fund asset allocation program. The program features Goldman Sachs’ investment management expertise and proprietary asset allocation models. Goldman Sachs is one of the world’s most experienced and respected investment firms.

You can select among five Model Portfolios, ranging from Conservative to Aggressive Growth, based on his/her investment objectives and risk profile. Each Model Portfolio consists of several U.S. registered mutual funds that are sponsored and advised by Goldman Sachs Asset Management (GSAM). GSAM also periodically makes suggestions regarding asset allocation strategies and the selection of appropriate GSAM mutual funds for each model portfolio.

Your Private Banker works with you to develop an investment plan based on your risk profile, time horizon and financial goals.

How You Benefit

• You have access to the same portfolio managers running Goldman’s large institutional portfolios.
• Asset allocation helps you diversify assets across several asset classes that may enhance returns and reduce the impact of negative performance. Many studies have demonstrated that the asset allocation decision is more important than specific security selection within any given asset class.
• The program incorporates the relative value of various asset classes and world regions, the outlook for economic growth, inflation and interest, and a rigorous risk-control process.
  

Who can benefit

• Customers interested in improving the level of diversification in their investment portfolios.
• Those general dissatisfied with interest rates on fixed income securities (CDs, Treasuries, etc.)
• A growing company planning a retirement plan.
  

For more information, contact the Private Banker in your branch or call LeumiLines at

1-800-892-5430.

Securities and insurance products are offered through Leumi Investment Services Inc. (LISI), a wholly owned subsidiary of Bank Leumi USA and a member of FINRA/SIPC.

PRODUCTS OFFERED THROUGH LISI:

NOT FDIC INSURED / NO BANK GUARANTEE / MAY LOSE VALUE